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Instand Debt Advisor - aka IDA

Get smart about debt

Now, technology is on your side…

end debt-stress in minutes:

Enter your information.

Instantly get personalized options.

We’ll contact you to complete enrollment!

Frequently Asked Questions

What is Instant Debt AdvisorSM

Instant Debt AdvisorSM is your quickest path to a debt-free life. It guides you through a brief questionnaire about your debt, analyzes your unique situation, and suggests potential debt-relief plans. Post-completion, Instant Debt AdvisorSM instantly provides solutions that work for you, eliminating web misinformation. Let Instant Debt AdvisorSM find the right debt-relief plan for you and get you on the fastest track to a debt-free life.

Why is Instant Debt AdvisorSM the smartest debt solution technology on the market?

Instant Debt AdvisorSM evaluates potential debt relief options, taking into account your unique situation such as credit score goals, future plans, and budget. While other companies prioritize THEIR solutions, we prioritize YOURS—all in just a few minutes.

Will using Instant Debt AdvisorSM affect my credit score?

No, use Instant Debt AdvisorSM to find potential debt-relief plans without impacting your credit score.

Do I have to commit to a debt-relief plan to use Instant Debt AdvisorSM?

No, use Instant Debt AdvisorSM risk-free. You’re in control. Review plans, talk to a counselor, and commit when you’re ready.

Is this tool free to use?

Yes, Instant Debt AdvisorSM is 100% free to use.

Is Instant Debt AdvisorSMsafe to use?

Yes, your information is securely encrypted, and we do not sell your data. Our privacy policy ensures a risk-free process. Finding potential debt relief solutions only takes a few minutes, will not affect your credit score and no commitments are made until you are ready.  You are in control.

Do I need to sign up to use Instant Debt AdvisorSM?

No, Instant Debt AdvisorSM guides you through a series of easy-to-answer questions without sign-up to recommend potential debt-relief options for you.

How long does it take to find the right debt-relief solution for me?

The entire process only takes minutes of your time. Instant Debt AdvisorSM walks you through questions, instantly providing options for your unique situation. No commitment, no credit impact.

What happens after I have completed Instant Debt AdvisorSM?

Once you have reviewed and selected your debt-relief solution, a specialist will contact you to review the program before you enroll. Don’t worry if you are unsure or have questions, the specialist can review all options available to you so that you can proceed with confidence.

What information do I need to provide?

Estimated debt balances, payment status, income, credit score range, and openness to options. Answer the best you can.

How will enrolling affect my credit?

This all depends on the debt relief program ultimately chosen and your unique situation. Some programs may affect your credit while others may help to improve it. The good news is we take the guess work out of it. Through Instant Debt AdvisorSM, you can tell us if maintaining your credit score is a high priority and IDA will provide you with debt-relief options that meet your needs in mere minutes.

Can I get a loan while enrolled in a debt relief plan?

Depends on your credit, plan, and situation. Instant Debt AdvisorSM considers future goals and plans for tailored debt relief.

What fees are associated with a debt-relief plan?

This all depends on the debt relief program ultimately chosen and your unique situation. Some programs may affect your credit while others may help to improve it. The good news is we take the guess work out of it. Through Instant Debt AdvisorSM, you can tell us if maintaining your credit score is a high priority and IDA will provide you with debt-relief options that meet your needs in mere minutes.

If I’m not ready to enroll right now, how long are my plan summary options good for?

Options stay valid as long as your situation doesn’t change, but act sooner to avoid accruing interest/increased balances as this may have an impact on your options. Instant Debt AdvisorSM helps you decide with free, fast results.

What if I need to change my information after submission?

No worries. Specialists review and verify information with you before enrollment.

Do you sell my data?

No, we do not sell your data. Review our Privacy Policy here.

About Debt.com

Debt.com

Our staff of Certified Public Accountants, Financial Counselors and Debt Specialists help Americans eliminate their debts once and for all.

Join the over 10 million people who have used Debt.com to get out of more than $12 billion of debt.